Melanie Your posts on the whole seem pretty fair. However, you and I both know that a lot of shabby practice goes on within the industry. Debtors are looking to make the stress and pressure go away, and go away quickly. MANY IPs gloss over a detailed and hefty document which is the IVA proposal and ...

Hiya Ian C I smell the 'sale' of an IVA and the procurement of 5 years fees. Demand that your Supervisor calls a meeting of your creditors to vary the terms of your IVA. Ensure that a detailed written account of your circumstances are attached to whatever 'report' your Supervisor submits. If they re...

Sorry my reply to your post is late and not too late. Listen mate - GO BANKRUPT! Ive been where you are. You have no equity in your property. Its NOT an asset and cant be sold. As long as you pay your mortgage your home is safe. DONT change to inerest only. STAY on repayment or how are you ever goin...